Axel is an early-stage product — pilots are free and commitment-free  Learn about the pilot →

From Borrower Upload to
Credit-Ready Memo —
in Minutes

Axel automates the credit prep work — document collection, spreading, policy checks, and memo drafting — so your analysts focus on the decision.

Everything ready before the analyst opens the file.

Axel reads tax returns, P&Ls, and bank statements as they arrive — builds the spread, flags inconsistencies, and drafts the memo. The analyst verifies, edits, and signs off.

Documents collected & indexed
3-year financial spread built
DSCR & policy ratios calculated
Cross-document inconsistencies flagged
Credit memo drafted for analyst review
Loan Amount$185,000 · SBA 7(a)
Global DSCR1.85x ✓
Credit Score712 ✓
MCA — Debt ScheduleNot disclosed ✗
Axel — Credit Memo Draft
Maplewood Café LLC requests $185,000 SBA 7(a). Global DSCR 1.85x — exceeds 1.25x minimum. MCA of ~$12,000 identified in bank statements, absent from debt schedule. Payoff condition at closing recommended.
4–8hrs
per credit file today, manually
<1hr
targeted with Axel
~$900K
estimated annual savings · 200 files/mo
The Problem
Credit prep is still manual,
file by file.

Analysts spend most of their time on assembly — not on judgment. Axel automates everything before the decision.

Today
4–8
hours per credit file, manually

Analysts chase documents, re-key financials, compute ratios by hand, eyeball statements for mismatches, and write every memo from scratch — file by file, across disconnected systems.

With Axel
<1
hour targeted per credit file

Spreads, ratios, document QA, and a first-draft memo are ready before the analyst starts. They verify the numbers, catch flagged inconsistencies, and edit the narrative instead of building it from scratch.


Workflow
Where Axel fits in

Your process doesn't change. Axel steps in as documents arrive and hands the analyst everything they need to decide.

Phase
Traditional Workflow
With Axel
1Document Collection
Analyst emails borrower, chases missing docs, tracks status manually
Automated — secure upload link sent; Axel tracks what's received and what's missing
2Data Extraction
Analyst reads tax returns, P&Ls, bank statements — re-keys figures into spreadsheets
Automated — AI reads every document and pulls figures into structured spreads as files arrive
3Spreading & Ratios
Analyst builds 3-year cash flow spread and computes DSCR, coverage ratios in Excel
Automated — 3-year spread built, DSCR and policy ratios calculated and flagged
4Cross-Document QA
Analyst cross-references statements for inconsistencies — easy to miss under volume
Automated — Axel flags revenue-deposit variances, undisclosed obligations, and policy exceptions
5Memo Drafting
Analyst writes credit memo from scratch — narrative, rationale, conditions, exceptions
Automated — first-draft memo generated with citations to source documents; analyst edits and signs off
6Credit Decision
Analyst reviews and decides
Analyst reviews and decides

Calculate Your Savings
Model your institution's savings

Adjust the inputs below. All projections validated during the pilot against your actual files.

Illustrative model. Actual savings validated against your institution's real files during the 4-week pilot.

Projected annual hours freed
12,000 hrs
Projected annual savings
$900K

4-Week Design-Partner Pilot

Start free.
Zero disruption.

We run a parallel test on anonymized historical credit files from your institution. No IT integration, no changes to existing workflows, no commitment required.

✓ Pilot is completely free of charge
1
Parallel Testing
Run alongside your existing process using anonymized historical credit files. Zero IT integration, zero workflow disruption.
2
Built Around Your Process
We co-build to your loan programs, spread format, credit policy, and memo template — not a generic output.
3
Validated on Your Numbers
4-week audit measures real prep time reduction, memo accuracy, and flagged inconsistencies against your own files.
4
Dedicated Partner Support
Priority access and full technical support throughout the pilot period and beyond.